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Roofer Life Insurance, Critical Illness Cover And Income Protection

The Insurance Surgery is the UK’s leading insurance specialist for people with medical conditions, dangerous occupations and hazardous sports, which includes Roofer life insurance, critical illness cover and income protection. For someone with a hazardous job such as being a Roofer or working in the construction industry, you may find it slightly more difficult to get a life insurance, critical illness cover or income protection policy.

There are several possible issues when you apply for Roofer life insurance, critical illness cover and income protection due to the types of duties that you may be required to do. When applying for any type of life insurance or income protection policy, you will be asked for information about your lifestyle, health and occupation so that underwriters can assess your circumstances to assess risk.

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roofer life insurance

In this area of The Insurance Surgery website we explain how your application for Roofer life insurance, critical illness cover and income protection will be treated by underwriters. Our guide to Roofer life insurance, critical illness cover and income protection here will look at the application process and premiums to explain what may happen to you.

Risks for Roofers when applying for life insurance:

  • Working at heights (over 40ft)
  • Lifting and bending
  • Working with hazardous materials

There are a large number of occupations that are classed as dangerous because of the types of daily or weekly duties to be carried out as part of this type of job which will include building work and construction. When you apply for Roofer life insurance, critical illness cover or income protection you should find that it is possible to get cover from any of the main insurers. Cover to protect your family and your home is very important so it is critical to get the right cover so that your insurance policy gives you peace of mind if anything happens to you.

How Roofer life insurance, critical illness cover and income protection works:

For someone working in the construction industry and you need to apply for Roofer life insurance, critical illness cover or income protection then you should consider a number of points which will be assessed, including:

  • Which type of roofing job do you do
  • How often do you work at heights (over 40ft)
  • What heights do you work at heights
  • How much driving do you do for your job

For advice about applying for Roofer life insurance, critical illness cover or income protection then you should speak to one of our team of expert advisers on 0345 565 0935.

Roofer Life Insurance

You will also find that it is fairly easy to get a competitive quote for Roofer critical illness cover depending on your circumstances and how much cover you need. You will often find that your premiums will be the same as a standard person for critical illness cover as being a Roofer should not be classed as a higher risk for this type of policy.

Almost all insurers will offer terms for Roofer critical illness cover so you should make sure that you get quotes from several companies to get the most competitive premiums and the most suitable cover.

You might also find that there are other underwriting problems when applying for Roofer life insurance which can be lifestyle, health or an extreme sport related.

Premiums for Roofer life insurance will also be based on:

  • How much Roofer life insurance you want to apply for and why
  • What term of cover you need in years
  • Which type of life insurance policy you need

Underwriting for Roofer life insurance will differ from one insurance company to another depending on which provider you apply to.

Roofer critical illness cover

As with teacher life insurance, you should be able to easily get teacher critical illness cover. There should be no issues with getting cover unless your job is very high-risk; in this case, insurers may need to ask more information about your occupation to assess the level of risk.

The only reason that your premiums may rise is if you have a high level of risk in your job, generally premiums for teacher critical illness cover will be available for you at or close to standard rates, and you should have no issues getting cover.

Roofer income protection

It could be slightly more difficult to get a policy for Roofer income protection to protect your monthly income if you are unable to work due to sickness or injury either at work or not.

There are possible exclusions that may be applied to your offer of cover depending which type of construction work you do and which insurer you apply to.

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Monday to Thursday:

9:00am – 8:00pm

Friday:

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Call us on 0800 083 2829
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Copyright © 2025 The Insurance Surgery Ltd. The Insurance Surgery is authorised and regulated by The Financial Conduct Authority. We are entered on the Financial Services Register No 401425 at https://www.fca.org.uk Registered in England and Wales. No 5137288. Registered and trading from 2nd Floor, Pickford Street Mill, Pickford Street, Macclesfield, SK11 6JD The guidance and/or advice contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.

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